First mortgage
Central Delaware Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Kent County
Buying a home in Dover, DE
4 Dover programs and 15 statewide.Dover has 4 programs of its own, and 15 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Dover addresses
Dover’s own programs
Gift funds
Central Delaware Saves (Matched Savings IDA for Homeownership)
Income limits · Single Family
Shared-appreciation loan
Diamond State Community Land Trust Homeownership Program
Income limits · Single Family
Forgivable loan
Homeownership Down Payment and Settlement Assistance Fund
First-time homebuyers · Income limits · Single-family detached · Townhome · Condominium
The Dover marketThe Dover housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Dover
- 40.1% single-familysingle-family
- 14.9% townhousetownhouse
- 5.7% 2–4 units2–4 units
- 34.3% 5+ unitscondo & apartment buildings (5+ units)
- 4.9% mobile & othermobile home & other
Condos count. 1 of Dover’s 4 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Dover’s homes were built
pre-19401970s2020+
46.5%
of Dover homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$112,100
County area median income, 4 people (HUD)HUD area median income, Kent County, 4-person household (2026)
$60,199
Dover median household incomeMedian household income in Dover (Census, 2024)
14 of the 81 programs here set their income limit as a share of Kent County’s area median income, adjusted for household size. See the published limits for Kent County
Free help nearbyFree help near Dover
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.3 of the 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Delaware and nationwide
77 statewide & federal programs15 statewide programs, plus federal options
Dover questions
Does Dover have its own down payment program?
Yes, 4: Central Delaware Habitat for Humanity Homeownership Program, Central Delaware Saves (Matched Savings IDA for Homeownership), Diamond State Community Land Trust Homeownership Program and Homeownership Down Payment and Settlement Assistance Fund. Each is for homes inside Dover.
Can I use assistance on a condo in Dover?
1 of Dover’s 4 local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Kent County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Kent County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Dover?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Dover. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
19901 · 19903 · 19904 · 19905 · 19906
Nearby in Kent
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.